ALEXANDRIA, Va., Nov. 25 -- United States Patent no. 12,481,854, issued on Nov. 25, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Systems and methods for secure utilization of quick response codes" was invented by Jeff J. Stapleton (O'Fallon, Mo.), Richard Toohey (Madison, Wis.) and Peter Bordow (Fountain Hill, Ariz.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, apparatuses, methods, and computer program products are disclosed for secure utilization of quick response (QR) codes. An example method includes obtaining a key known to the initiating device and a participating device, and identifying, by QR code processing circuitry of the initiating device, a payload to be encoded in a QR code...